Class A Insurance

We bought a 10 year old MH and our ins agent said the older it gets the less it's worth and the less the ins cost.

Just for comparison I too am shopping for insurance for a new Class A Diesel Pusher Entegra MH. I've called my current two companies.

State Farm wants $5,500.00 a year
Progressive wants $3,700.00 a year

Both with $1,000.00 deductables and $0 deductable on glass replacement.

Progressive also has their deminishing deductable plan so for every year you go without making a claim they reduce your deductable until it reaches $0 on a claim. Progressive has been very good to me as I had 3 claims in 2017. One for my truck that cost $4,500.00 to fix and a new windshield after a trip to Alaska in 2016 and a blown out driver door window when a rock came off a cliff in Oregon and blew glass cubes all over the interior of the crew cab. VERY LOUD. Freaked our German Shephard out. Dog was shaking like a leaf and he was in the back seat.

I use Auto- Owners Insurance. Not expensive and very good service.

progressive just quoted me $1250 for a year of full time insurance for my 2001 Beaver Contessa, 40' DP. 500 deductible

There are some companies that will write the insurance when you do not use it full-time, and others that offer full-timers coverage. Make sure you purchase what you need. It is true, the older the motorhome, the less the premium will be for comprehensive and collision coverages. The liability coverage, any medical, etc should be the same no matter the year. It may however increase based on the weight of the motorhome. The bigger, the more damage it can cause. We have our full-timers policy with Progressive. Before we went full-time, we had State Farm who does not write full-timers policies.
The state/area where you are purchasing the insurance, your personal credit history, your driving record all play a role in the rate you receive. It is very hard to compare yours to someone else's because of the personal difference in the above.

I am paying $660.00 per year for my 2003 motor home but am trading up to 2013 and it will more than double, partly because I have had a claim, I had an argument with a Honda in a parking lot. I dropped Good Sam a couple years ago because my rates were over $900 every six months. I'm insured with Progressive now. So far I've been very happy with Progressive. Let you know more when the smoke clears they are covering a fire in one of the basement compartments, so far so good.

One has to shop around, last year I was paying about $90 per month through State Farm for our 2002 Safari Trek, this year I shopped around and was able to cut that in half for nearly identical coverage with All-State.

Progressive !! If shopping State Farm, Allstate etc. be sure they truly insure RV's for replacement cost etc.

Also depends on the state. I had my 2006 HR in VA covered by Hartford. USAA would not convert the travel trailer (MH trade in) into a MH policy. Progressive was way high.

When we moved to FL in 2015, Hartford would not move the policy unless I put my cars under them as well. Cars have been under USAA since 1985 so that wasn't an option for us. Good Sam found us a decent rate with Allied. They replaced the broken windshield with no fuss (came to us). In FL $0 deductible on windshields so it is a state thing and not an INS company thing.

We have everything we own insured with Nationwide and so far...over the past 30 years, every claim has been paid without argument and well above our expectations. We had two claims on the RV within 60 days of each other due to blown tires....no questions, they covered the damages. And, we have a local office and a local agent that we can talk to anytime. We might pay a little more by not bothering to shop around, but as for me and my house? We'll stick with Nationwide!